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How to save money on your home insurance…

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Step One

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Fill in your details and requirements for your home insurance.

Step Two

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Compare quotes from up to 50 insurance providers side by side on price and features.

Step Three

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Compare the lowest prices on offer for you along with exclusive cashback and rewards.

Your guide to home insurance

Home insurance is a type of insurance that protects your home and its contents from damage or loss. It can cover a wide range of events, including fire, theft, flood, and storm damage. Home insurance is not compulsory in the UK, but it is highly recommended, as it can provide financial protection in the event of a disaster.

Types of home insurance

There are two main types of home insurance in the UK:

  • Buildings insurance: This covers the cost of repairing or rebuilding your home if it is damaged or destroyed.
  • Contents insurance: This covers the cost of replacing your belongings if they are damaged, lost, or stolen.

You can purchase buildings insurance, contents insurance, or both. The type of home insurance you need will depend on your individual circumstances. For example, if you live in a flood-prone area, you may want to purchase flood insurance.

What does home insurance cover?

Home insurance can cover a wide range of events, including:

  • Fire
  • Theft
  • Flood
  • Storm damage
  • Subsidence
  • Earthquake
  • Vandalism
  • Accidental damage

The specific cover that you have will depend on the terms of your policy. It is important to read your policy carefully to understand what is and is not covered.

How much does home insurance cost?

The cost of home insurance will vary depending on a number of factors, including the size and value of your home, its location, and the level of cover you choose.

How to get home insurance

Home insurance can be purchased from a variety of providers, including traditional insurance companies, online insurance brokers, and some mortgage lenders.

When shopping for home insurance, it is important to compare prices and cover from different providers. You should also make sure that the policy you choose meets your specific needs.

Making a claim on your home insurance policy

If you need to make a claim on your home insurance policy, you should contact your insurance provider as soon as possible. The insurance company will then investigate the claim and determine whether it is covered under the policy. If the claim is covered, the insurance company will pay you out for the loss or damage.

Tips for getting the best deal on home insurance

Here are a few tips for getting the best deal on home insurance:

  • Compare prices from different providers.
  • Choose a policy that meets your specific needs.
  • Take advantage of any discounts that are available, such as discounts for bundling home insurance with other types of insurance, such as car insurance or life insurance.
  • Be honest about the value of your home and its contents.

Home insurance is an important investment that can protect you from financial loss in the event of a disaster. When choosing a home insurance policy, it is important to compare prices and cover from different providers and to choose a policy that meets your specific needs.

FAQs For Comparing Home Insurance

      • What's the difference between buildings and contents insurance?

        Buildings insurance covers the physical structure of your home, including walls, roof, floors, and permanent fixtures like built-in wardrobes or kitchen units. It generally protects against damages from fire, flood, and other specified risks. On the other hand, contents insurance covers your personal belongings within the home, such as furniture, electronics, jewellery, and clothing, against theft, loss, or damage.

      • Do I need both buildings and contents insurance?

        If you own your home, it’s advisable to have both buildings and contents insurance to ensure complete coverage. Mortgage lenders typically require buildings insurance as a condition of the loan. However, if you’re renting, your landlord should have buildings insurance, but you might want contents insurance to protect your personal items.

      • Are accidental damages covered in standard home insurance policies?

        Not always. While some policies might include accidental damage as standard, others offer it as an optional extra for an added fee. Accidental damage cover protects against unforeseen events, like spilling wine on a carpet or knocking over a TV.

      • How is the cost of my home insurance premium determined?

        Several factors influence the premium, including the value and location of your home, the type of construction, security measures in place, the amount of cover needed, and any previous claims you’ve made. Additionally, the type of cover (e.g., comprehensive vs. basic) and optional add-ons will affect the premium.

      • If I make a claim, will my premiums go up?

        It’s possible. Making a claim might result in an increase in your renewal premium. Some policies offer a no-claims discount, which you might lose or see reduced if you make a claim. However, each insurer’s policy varies, so it’s essential to check with your provider.

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      *51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.